Canbank Perf Highlights

8/4/2019 Canbank Perf Highlights

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Page 1www.canarabank.com


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NET PROFIT

503

899

0

500

1,000

Q4 FY10 Q4 FY11

`.

Cro

re

Net Profit Rose by a Robust 78.7%

NET PROFIT GROWTH Q4 FY11

Growtho

f78.7

%


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NET PROFIT

3021

4026

0

500

1,000

1,500

2,000

2,500

3,000

3,500

4,000

4,500

'Mar 2010 'Mar 2011

`.

Cro

re

The Highest ever Net Profit for anyYear

NET PROFIT GROWTH FY11

Growtho

f33.2

%


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A Landmark Achievement


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Major Highlights- Q4 FY11

Sustained high growth trajectory

Surpassed landmark `5 lakh crore in total

business Net Interest Income Growth at 23.5%

Net Interest Margin expanded to 3.12%

Return on Assets at 1.27% Healthy Capital Adequacy Ratio at 15.38%

Tier I Capital Ratio at 10.87%


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Major Highlights- Q4 FY11

Successfully raised `1993.2 crore through QIP

Raised of $350 million through MTN for overseas

business funding

Gross NPA ratio at 1.45% and Net NPA ratio at

1.11%

Record Cash Recovery of over `2000 crore

Provision Coverage Ratio at 72.99%


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TOTAL BUSINESS

Over ` 1 lakh Crore Business AddedY.o.Y Growth at 25.4%

325112

403986

506440

100,000

150,000

200,000

250,000

300,000

350,000

400,000

450,000

500,000

Mar-09 Mar-10 Mar-11

`.

Cro

re

(24%)

(25%)

(24%)3 Yr CAGR at 25%



186893

234651

293973

50,000

75,000

100,000

125,000

150,000

175,000

200,000

225,000

250,000

275,000


`.

Cro

re

TOTAL DEPOSITS

3 Yr CAGR at 25%

Y.o.Y Growth at 25.3%

Against SCBs Growth at 15.8% (Domestic)



138219

169335

212467

25,000

50,000

75,000

100,000

125,000

150,000

175,000

200,000


`.

Crore

NET ADVANCES

3 Yr CAGR at 24%

Y.o.Y Growth at 25.5%

Against SCBs Growth at 21.4% (Domestic)



PROFIT GROWTHAmt. in ` Crore

FY11 FY10 Q4 FY11 Q4 FY10

Operating Profit 6107 5061 1695 1430

Growth 20.7% 27.7% 18.5% 12.4

Provisions 2081 2039 796 927

Provision for NPA 1001 1426 541 596

Prov for Taxation 1000 800 250 200

Net Profit 4026 3021 899 503

Growth 33.2% 45.8% 78.7% -30.0%

Robust Growth in Net Profit for Q4 and FY11



INCOME

Sustained Increase in Income

FY11 FY10 Growth Q4FY11 Q4FY10 Growth

Total Income 25767 21610 19.2% 7351 5507 33.5%

Int. Income 23064 18752 23.0% 6418 4797 33.8%

Int. Loans/Adv 17052 13946 22.3% 4823 3545 36.0%

Non-Int. Inc 2703 2858 -- 933 710 31.4%

Amt. in ` Crore



Interest Income continues to drive growth in income .. over 65% of earnings from int on

advances

MAJOR COMPONENTS OF INCOME

March 2010

Investment

Income

25.0%

Int on Adv

64.5%

Others

2.9%Fee Incm

6.5%

Inter Bk Int

1.1%

March 2011

Investment

Income

23.7%

Int on Adv

66.2%

Others

3.6%Fee Incm

5.7%

Inter Bk Int

0.8%



BREAK-UP OF OTHER INCOME

Mar11 Mar10

FY11 Q4 FY11 FY10 Q4 FY10

Total Other Income 2703 933 2858 710

Commission & Exchange 756 249 724 213

Profit from Exchange Trans 381 116 215 44

Trading Profit 236 -18 872 114

Dividend Income 199 87 104 32

Recovery in w/off A/cs 555 327 406 149

Other Misc. Income 576 172 537 158

of the above ..

Fee Income 1455 447 1400 402

(` in Crore)



MEASURES TO AUGMENTNON INTEREST INCOME

Increased thrust on Fee Income

Broadbasing of Fee Income sources

Cross-Selling of Insurance Products

Mutual Fund Products

On-line Trading Services

Other Traditional Services- LCs, Guarantees andothers.



EXPENDITURE

FY11 FY10 Growth Q4FY11 Q4FY10 Growth

Total Exp. 19660 16549 18.8% 5656 4076 38.8%

Int. Exp. 15241 13071 16.6% 4445 3199 38.9%

Op. Expense 4419 3478 27.1% 1211 877 38.0%

Staff Expense 2955 2194 34.7% 783 498 57.1%

Higher Expenses on account of additional provisionfor gratuity and pension

Amt. in ` Crore



COST-INCOME RATIO (%)

46.8348.54

43.6140.73 41.98

2023

26

29

32

35

38

41

44

47

50

53

56

59

FY07 FY08 FY09 FY10 FY11

Contained Cost-Income Ratio for FY11, despiteadditional provisions for gratuity and pension



EARNINGS PROFILE

FY11 FY10Q4

FY11Q4

FY10

Net Int. Income 7823 5681 1973 1598

Y-o-Y Growth

(%) 37.7 20.4 23.5 22.4

NIM (%) 3.12 2.80 3.12 2.80

ROAA (%) 1.42 1.30 1.27 0.87

ROE (%) 28.26 26.76 22.78 16.05EPS (`) 97.83 73.69 20.76 12.27

Book Value (`) 405 306 405 306

Amt. in ` Crore

Good Growth in Net Interest Income

Improvement in NIM



QUARTER ON QUARTER POSITION IN NIM

2.80

3.013.16 3.21 3.12

2.00

2.30

2.60

2.90

3.20

3.50

'Mar

2010

'Jun

2010

'Sep

2010

'Dec

2010

'Mar

2011

In

Perc

ent

NIM above 3% since June 2010



EARNINGS PROFILE

34.6538.17

50.55

73.69

97.83

0

10

20

30

40

50

60

70

80

90

100

EPS (INR)Mar-07 Mar-08 Mar-09 Mar-10 Mar-11

197.83

202.33

244.87

305.83

405

100

150

200

250

300

350

BV (Rs)

Mar-07 Mar-08 Mar-09 Mar-10 Mar-11

The Bank continues to sustain high levels of earnings. Book Value andEarnings Per Share show consistent rise, year on year



TREND IN COST AND YIELD (%)

Mar11 Dec10 Sep10 Jun10 Mar10

Cost of Deposits 5.80 5.66 5.69 5.69 6.12

Cost of Funds 5.37 5.26 5.30 5.26 5.65

Yield on Advances 9.73 9.67 9.61 9.35 9.81

Yield on Funds 8.13 8.12 8.12 7.91 8.10

Yield onInvestments

7.72 7.68 7.61 7.54 7.52

Decrease in Cost Y.o.Y



VALUE FOR STAKEHOLDERS

66% 70%

80% 80%

100%

110%

0%

20%

40%

60%

80%

100%

120%

DIVIDEND

FY06 FY07 FY08 FY09 FY10 FY11

Dividend ... Progressively Increasing Returns for the

Shareholders


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SHARE HOLDING PATTERN

As on Mar.31, 2011

15.0%

7.8%

4.4%2.3% 2.7%

67.9%

Govt of India FIIs Insurance Companies Resident Individuals Banks Others


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BUSINESS HIGHLIGHTS: FY11


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BUSINESS PROFILE

March11 March10 Y-o-Y Gr

Global Business 506440 403986 25.4%

Total Deposits 293973 234651 25.3%

Net Advances 212467 169335 25.5%

CD Ratio (%) 72.27 72.16

Robust Business Growth of over ` 1 lakh Crore

Overseas Business Constituted 3.8%

Amt. in ` Crore


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CORE DEPOSITS GROWTH

22% Growth in CASA

March11 March10 Y-o-Y Gr

Savings Deposits 58617 49875 17.5%

CASA Deposits 83117 68261 21.8%

Term Deposits 210856 166390 26.7%

CASA Ratio 30.30% 29.85% --

CASA Per Branch 25.52 22.41 --

Amt. in ` Crore


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CREDIT FOCUS

March11 March10 Y-o-Y GrPriority Sector Credit 70757 59310 19.3%

Agriculture Credit 29656 25052 18.4%

MSME Advances 37684 31074 21.3%

Retail Lending 31572 23902 32.1%

Housing 15219 10116 50.4%

Infrastructure Advances 34702 25388 36.7%

Industrial Advances 118281 87504 35.2%

Well Diversified Credit Portfolio

Amt. in ` Crore


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PIONEERS IN EDUCATION LOAN

Education Loans grew by 21% y.o.y

Outstanding Education Loans at `3503 crore

The portfolio covers over 1.93 lakh students

On-line Education Loan application in web portal

Number ONE amongst Nationalized BanksIn Outstanding Education Loans


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CANARA NAYEE DISHA DRIVING 100% FINANCIAL INCLUSION

Mobilised over 6.02 lakhs No-frill Accounts during this year.

. Cumulative No-frill Accounts 27.84 lakhs(` 520 Cr)

Issued over 3.02 lakhs General Credit Cards (`463 Cr)

19 Exclusive Micro-Finance Branches to help Urban Poor

Cumulative SHG Tally up at 3.51 Lakhs ..Credit Linked 3.20

Lakhs

Total Exposure under SHG (`1064 cr) spread over 90172 SHGs

10 Financial Literacy and Credit Counselling Centres (FLCCs)

in Kerala, Tamil Nadu, Karnataka and Bihar.

Canara Financial Advisory Trustto manage FLCCs


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PRODUCTIVITY RATIOS

March11 March10

Business per Employee (`Crore) 12.28 9.83

Business per Branch (` Crore) 155.49 132.63

Gross Profit per Employee (` Lakh) 14.81 12.28

Net Profit per Employee (` Lakh) 9.76 7.36

Jump in Business Per Employee and Business PerBranch


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Figures in the brackets are percentage shares intotal

INVESTMENT PORTFOLIOAmt. in ` Crore

March11 March10

Net Investments (Domestic) 83208 69114

Held to Maturity

61127

(73.5%)

54516

(78.9%)

Available for Sale

21830

(26.2%)

14182

(20.5%)

Held for Trading

251

(0.30%)

416

(0.6%)

Mar11 Mar10

SLR Portfolio 71485 (85.7%) 63175 (91.2%)

Non SLR Portfolio11959 (14.3%) 6089 (8.8%)


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DURATION OF INVESTMENT PORTFOLIODuration of AFS book and Total Investmentbook

Details Mar11 Mar10

Duration of AFS Book 2.35 yrs 2.04 yrs

Duration of HTM Book 5.87 yrs 5.87 yrs

Duration of Total Investment

Book4.95 yrs 5.17 yrs

Modified Duration of AFS book and Total Investment book

Details Mar11 Mar10

Modified duration of AFS Book 2.23 yrs 1.93 YrsModified duration of HTM Book 5.64 yrs 5.65 Yrs

Modified duration of TotalInvestment Book

4.75 yrs 4.97 Yrs


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ASSET QUALITY

Provision Coverage Ratio at 72.99%

Record Cash Recovery at `2032 crore

March11 March10

Gross NPA (` Crore) 3089 2590

Gross NPA Ratio (%) 1.45 1.52

Net NPA (` Crore) 2347 1800

Net NPA Ratio (%) 1.11 1.06


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Movement of NPAAmt. in ` Crore

Mar11 Mar10

Opening Balance 2590 2168

Fresh Slippages (+) 3508 3266

Upgradation (-) 889 866

Cash Recovery (-) 1625 1094

Write-off (-) 495 884Closing Balance 3089 2590

ImplementedSystem Driven NPA

Classification for A/Cs above ` 10 lakh


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Sectoral NPA

Amt. in ` Crore

Mar 11 Mar 10

Micro & Small Enterprises 555 394

Agriculture 663 462

Other Priority Segments 474 567

Medium Enterprises 135 102

Large Industries 300 299

Non-Priority Segments 962 766

Total 3089 2590


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Amount Restructured During Q4 FY11

Amt. in ` Crore

No. ofAccounts Amount

Agriculture 42 9.0

MSME 17 7.4

Housing 7 0.2

Large Advances 4 16.3

Others 172 124.6

Total 242 157.5

101 restructured accounts from Agriculture

Slipped during Q4, amounting to ` 1 crore


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Total Amount under Restructured Accounts As onMar11

Amt. in ` Crore

No. ofAccounts Amount

Agriculture 40965 600

MSME 4546 705

Housing 11086 528

Large Advances 2720 4917

Others 35107 1328

Total 94424 8078

Total Slippages out of the above - `655 Crore


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COMFORTABLE CAPITAL POSITION

Adequate Headroom for further Capital Augmentation

CRAR of 15.38%at Mar11

Tier I ratio at 10.87%

Tier II ratio at 4.51%

Raised `750 Cr under IPDI and `1000 Cr under Upper Tier II

Bonds.

Raised `1993.20 crore through the QIP issue.

Govt. holding reduced from 73.17% to 67.72% post QIP

Paid-up Capital rose to `443 crore


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10.87%

8.54%8.01%7.01%7.17%

4.51%

4.89%6.09%6.24%6.33%

0%

2%

4%

6%

8%

10%

12%

14%

16%

M ar.0 7 M ar.0 8 M ar.0 9 M ar.1 0 M ar.1 1

Tier I capital Tier 2 capital

9.0%MinimumTotalCRAR

6.0%MinimumTier ICRAR

15.38%*TotalCRAR

%

CAPITAL ADEQUACY Basel II

13.50% 13.25%* 14.10*

* Mar08 onwards - as per Basel II

13.43*


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BeyondNumbers


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EXPANDING THE REACH

Strategic Initiatives

Focus on Expanding Domestic Branch Network.

Addition of 211 branches and 199 ATMs during FY11.

Significant rise in number of Savings Bank accounts.

Over 16 lakhs new SB accounts added SavingsMahotsav campaign

March11 March10 Y-o-Y Incr

Branch Network 3257 3046 211

ATM Strength 2216 2017 199

Card Base (In Lakh) 59.69 49.96 9.73

DEDICATING 100 BRANCHES AND 100 ATMS


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DEDICATING 100 BRANCHES AND 100 ATMSTO THE NATION - ON 19thNov 2010

Inauguration of 100 branches and ATMs across India by

Honble Union Finance Minister in New Delhi


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EXPANDED CLIENTELE BASE

March11 March10Y-o-Y

Incr

Clientele Base 387 373 14

- No of Deposit A/Cs 342 329 13

- No of Borrowal A/Cs 45 45 -

3.87 crore strong clientele base

(In Lakhs)


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INFOTECH PROGRESS

March11

Core Banking Branches All Branches

Internet Banking Branches All Branches

NEFT and RTGS All Branches

100% Business under Core Banking Branches


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LAUNCH OF NEW TECH-PRODUCTS

Basket of Technology Products for Customer Convenience

ASBA, Gift Cards, Canara Debit Card- Platinum, Canara CampusCards, Withdrawal at PoS, Bills Desk for Utility Bills Payment


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GOALS FOR FY12

Aiming at a Total Business of ` 6.25 lakh crore by Mar12 ` 3.55 lakh crore under Deposits

` 2.70 lakh crore under Advances

Over 250 new branches to be opened during FY12

To Take ATM strength to 4000 by March 2012, by adding 1784ATMs during the year.

Thrust on growing Retail Business- Retail Deposits andRetail Advances

Plans to Open Branches at Manama, QFC-Qatar, SouthAfrica, Germany, the USA, Brazil, Tanzania andRepresentative Office in Tokyo, Japan

Survey to open Branches inSri Lanka, Nigeria and Kenya

completed


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